Hawaii Property & Casualty Insurance Practice Test 2026

About the Hawaii Property & Casualty exam

The Property & Casualty exam licenses you to sell property and liability coverage: homeowners, commercial property, auto, general liability and workers compensation. The state portion covers the rules your state puts on those lines.

What is on the Hawaii Property & Casualty test

Hawaii's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.

Source: Pearson VUE #121201 | 01/2026; "HAWAII Insurance Content Outlines -- Content Outlines: Effective January 1, 2026"; running head on every page "HAWAII Insurance Supplement - Examination Content Outlines / Effective: January 1, 2026". Hawaii administers SEPARATE Property (exam 03) and Casualty (exam 04) producer exams, each sat as a general-knowledge section plus a Hawaii-specific section; there is no combined Property and Casualty exam in the handbook's exam list. Scored counts are the outline's own "scoreable questions" figures, which exclude the pretest questions it counts separately. NOTE on property_general: the outline declares 50 scoreable questions but its own printed area counts are I=22, II=15, III=11, which sum to 48. Re-fetched and re-extracted with pdftotext -layout from the live PDF (sha256 identical to the manifest checksum) and the figures are as printed, so the discrepancy is the publisher's, not the extraction's; the weights are therefore left null rather than adjusted to balance. (Hawaii Insurance Content Outlines). Confirm current weights with the testing company before you book.

Hawaii official sources

• Unfair methods of competition and unfair or deceptive acts or practices definedHawaii Revised Statutes § 431:13-103 · Hawaii State Legislature (data.capitol.hawaii.gov)
• Administrative Rules Title 16 Chapter 171 (Miscellaneous Insurance Rules), Subchapter 1 General Provisions and Subchapter 3 Licensing Requirements, HAR 16-171-101 to 16-171-103 and 16-171-301 to 16-171-324 (REGULATIONS, not HRS)Hawaii Department of Commerce and Consumer Affairs, Insurance Division
• Administrative Rules Title 16, Chapter 23Motor Vehicle Insurance Law (Amendment and Compilation of January 20, 2026, effective April 17, 2026) · Hawaii Department of Commerce and Consumer Affairs, Insurance Division (cca.hawaii.gov)
• General DefinitionsHawaii Revised Statutes chapter 431 (Insurance Code), Article 1, 20 of 24 listed sections · Hawaii State Legislature (capitol.hawaii.gov); text as captured by the Internet Archive and verified against the live official page
• General Provisions of Insurance ContractsHawaii Revised Statutes chapter 431 (Insurance Code), Article 10, 56 of 58 listed sections · Hawaii State Legislature (capitol.hawaii.gov); text as captured by the Internet Archive and verified against the live official page
• Motor Vehicle InsuranceHawaii Revised Statutes chapter 431 (Insurance Code), Article 10C, 101 of 108 listed sections · Hawaii State Legislature (capitol.hawaii.gov); text as captured by the Internet Archive and verified against the live official page
• OverinsuranceHawaii Revised Statutes chapter 431 (Insurance Code), Article 10E, 11 of 11 listed sections · Hawaii State Legislature (capitol.hawaii.gov); text as captured by the Internet Archive and verified against the live official page
• Motorcycle and Motor Scooter InsuranceHawaii Revised Statutes chapter 431 (Insurance Code), Article 10G, 14 of 15 listed sections · Hawaii State Legislature (capitol.hawaii.gov); text as captured by the Internet Archive and verified against the live official page

All Hawaii insurance laws and exam sources

Provisions these questions cite most

Every answer quotes the provision it tests. These are the Hawaii provisions the questions on this page cite most often.

• Haw. Rev. Stat. § 431:13-103 · Unfair discrimination: age of a residential property risk23 questions
• Haw. Rev. Stat. § 287-29 · Insurer liability becomes absolute when covered injury occurs1 question
• Haw. Rev. Stat. § 287-36 · Money or bonds as proof1 question
• Haw. Rev. Stat. § 287-7 · Exception where the registered owner had a liability policy in effect1 question
• Haw. Rev. Stat. § 386-121 · Security deposited with the state director of finance1 question
• Haw. Rev. Stat. § 386-123 · Injunction of an employer in default of security for compensation1 question
• Haw. Rev. Stat. § 386-126 · Insolvency of employer not to release insurance carrier1 question
• Haw. Rev. Stat. § 386-127 · Cancellation of insurance contracts1 question

Exam figures on this page were checked against official pages: Testing company · Pre-licensing · License fee. Confirm anything you rely on with the testing company and the Hawaii Department of Insurance.